BlastPoint's Banking Scorecard
First State Bank of Van Orin
Designations: ✓ Community bank
Van Orin, IL
2 branches across IL
First State Bank of Van Orin has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.74% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.29% below tier average
- - ROA 0.29% below tier average
- - Delinquency Rate 1.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.9M
-11.8% YoY
-2.6% QoQ
|
-$21.3M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$11.3M
-2.3% YoY
+2.3% QoQ
|
-$23.0M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.6% in tier |
| Total Deposits ? |
$36.3M
-14.5% YoY
-3.1% QoQ
|
-$15.5M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.54%
-7.7% YoY
-8.0% QoQ
|
-0.29% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
2.57%
+3.5% YoY
-6.4% QoQ
|
-1.29% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio ? |
77.61%
+14.9% YoY
+6.1% QoQ
|
-10.74% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
2.74%
+98.8% YoY
|
+1.37% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.6% in tier |
| Loan-to-Deposit Ratio ? |
31.08%
+14.4% YoY
+5.5% QoQ
|
-33.13% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 10.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.77%
-1.4% YoY
+4.8% QoQ
|
-8.95% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.76%
+120.2% YoY
|
-0.03% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
27.43%
+11.1% YoY
+0.1% QoQ
|
+0.75% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.05%
+31.2% YoY
-71.8% QoQ
|
-0.61% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.